Producer Agent Guide - EyeMed Covered California

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Agent Guide
Becoming a producer to provide
EyeMed Individual Vision Plans
SASid
14 N Parker Dr., Suite 300
Janesville, WI 53545
Fax 1-608-755-7955
Agent Guide v041516
SASid, 14 N Parker Dr., Janesville, WI 53545
[email protected]
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Overview
We’re glad to have you!
This brief guide will provide useful information for your successful operation as a producer
to offer EyeMed Individual vision plans.
When you offer EyeMed Individual vision plans to your customers, you or your agency will
actually be working with a few different entities. They include:
 Marketed by EyeMed Vision Care, LLC (Licensed in California as EyeMed Vision
Care & Insurance Services, LLC)
 Underwritten by Fidelity Security Life Insurance Company
 Administered by First American Administrators and InsuranceTPA.com
 Producer contracting with SASid, Inc.
As a producer you will primarily be working with SASid. However, individual vision
policies sold are underwritten by Fidelity Security Life, while the primary brand to
customers will be EyeMed.
When you apply to become an EyeMed Individual producer, be sure to include all of the
following completed forms.
Producer instructions and checklist
 FSL Agent Data Sheet
 SASid Producer Agreement
 Copy of current E&O dec page
 Form for EFT/ACH, voided check, or Credit Card authorization form
 W-9 form
 Assignment of commissions form, if needed
 Direct deposit form (commissions will be deposited monthly)
Please note: all producers must be appointed separately for EyeMed Individual and
EyeMed commercial business.
Agent Guide v092816
SASid, 14 N Parker Dr., Janesville, WI 53545
[email protected]
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Table of Contents
Overview ....................................................................................................................2
Contact Information ...................................................................................................4
Producer fees ..............................................................................................................4
Producer Appointment Table – to be completed by applicant ....................................................... 6
Producer fee reimbursement program........................................................................7
Plans and rates ............................................................................................................7
Commissions ..............................................................................................................7
Upon receiving an appointment .................................................................................8
Producer standards .....................................................................................................9
Use of assigned unique URL ......................................................................................................................... 9
Use of logos and brand guidelines ............................................................................................................. 9
Producer renewal appointments ...............................................................................10
EyeMed Individual Agent Guide Producer Signature Page ....................................11
Appendix A – State Appointment Fees ..................................................................12
Agent Guide v092816
SASid, 14 N Parker Dr., Janesville, WI 53545
[email protected]
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Contact Information
Get FAQs, submit questions via our email form, and submit documents at:
individual.eyemed.com
coveredca.eyemed.com/brokers (Covered California program only)
SASid
14 N Parker Dr., Janesville, WI 53545
[email protected]
Producer fees
There are producer fees to become appointed to offer EyeMed Individual vision plans.
However, there is also an opportunity to earn back the resident portion of paid fees (see
Producer Fee Reimbursement Program section).
The producer state appointment fees, charged by states for appointment with Fidelity
Security Life Insurance Company (FSL), are listed in the Appendix – State Appointment
Fees. Producers are charged the resident state appointment fee for their home state, and
non-resident state appointment fees for any other states where appointments are desired.
There is also a $35 processing fee. Resident fees plus processing fees are eligible for the
Producer Fee Reimbursement Program. See examples 1 through 4, below, for producer fee
examples.
Producers currently appointed with Fidelity Security Life Insurance Company for selling
EyeMed commercial business may only need to pay the processing fee (not the state
appointment fee) in the states to be appointed for EyeMed Individual. No additional
appointment fees are required if currently appointed state(s) are the same as the state(s)
being requested for EyeMed Individual appointment. See example 5 for a producer
example.
Agent Guide v092816
SASid, 14 N Parker Dr., Janesville, WI 53545
[email protected]
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Example 1: California (CA or Covered California) resident producer
State
Resident
Non-resident
appointment fee
appointment fee
CA
$29
N/A
Sub-total
Processing fee
Total due
Example 2: NV resident producer, applying to sell in CA (CA or Covered CA)
State
Resident
Non-resident
appointment fee
appointment fee
NV
$15
N/A
CA
N/A
$29
Sub-total
Processing fee
Total due
Example 3: NM resident producer, applying to sell in CA (Covered CA)
State
Resident
Non-resident
appointment fee
appointment fee
NM
$20
N/A
CA
N/A
$29
Sub-total
Processing fee
Total due
Total
$29
$29
$35
$64
Total
$15
$29
$44
$35
$79
Total
$20
$29
$49
$35
$84
Example 4: CA resident producer, applying to sell in AZ, NV, and OR
(NOTE: example only. Appointments currently available only for Covered CA program)
State
CA
AZ
NV
OR
Resident
appointment fee
$29
N/A
N/A
N/A
Non-resident
appointment fee
N/A
$0
$15
$0
Sub-total
Processing fee
Total due
Total
$29
$0
$15
$0
$44
$35
$79
Agent Guide v092816
SASid, 14 N Parker Dr., Janesville, WI 53545
[email protected]
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Example 5: Producer currently appointed with FSL for EyeMed commercial
(NOTE: Currently appointed state(s) must match the state(s) being requested for appointment.)
State
CA
Resident
appointment fee
$0
Non-resident
appointment fee
na
Sub-total
Processing fee
Total due
Total
$0
$0
$35
$35
Producer Appointment Table – to be completed by applicant
(NOTE: use Appendix A – State Appointment Fees to determine fees.)
 Check here if producer is currently appointed in the state(s) where producer is applying
for appointment with FSL to offer EyeMed Individual.
State
Resident fee
Non-resident fee
Sub-total
Processing fee
Total due $
Total
$35
Agent Guide v092816
SASid, 14 N Parker Dr., Janesville, WI 53545
[email protected]
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Producer fee reimbursement program
Once appointed, producers may earn back the resident appointment fee plus the
processing fee charged. (The producer fee reimbursement program is for producers only;
Agencies cannot participate in this program.) To earn back 100% of the resident
appointment fee plus the processing fee the following must be achieved:
Applications sales goal
15 completed applications
Resident appointment fee
plus processing fee paid back
100%
Reviewed and paid
annually on one year
anniversary of producer
agreement
This program is only available in the first 12 months of appointment for producers who pay
a resident fee. Currently appointed producers with Fidelity Security Life to provide
commercial EyeMed vision care plans, who have only paid the processing fee and fees for
non-resident appointments, do not qualify for this reimbursement program.
Plans and rates
Your customer may choose from one of three vision plans. Overviews of these plans are
below. More detail is provided by obtaining a quote on the web site.
Bold
$10 co-pay
$130 allowance
20% off balance
$20 co-pay
$80 co-pay
Bright
$10 co-pay
$200 allowance
20% off balance
$20 co-pay
$20 co-pay
$0 co-pay
$130 allowance
15% off balance
Rates are discounted 5% for most annual payments.
$0 co-pay
$200 allowance
15% off balance
Exam
Frames
Lenses (SV)
Lenses (std.
progressives)
Contacts (conv.)
Healthy
$0 co-pay
35% off retail
$55
$135
15% off retail
Commissions
New policies
10%
Agent Guide v092816
SASid, 14 N Parker Dr., Janesville, WI 53545
[email protected]
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Renewal
10%
Upon receiving an appointment
Once an appointment is approved (in approximately 14 days after submission of completed
forms), each producer will receive a welcome email and a unique url (web address) that
must be used when enrolling customers. Any business processed without using this unique
url will not count towards the producer production.
Agent Guide v092816
SASid, 14 N Parker Dr., Janesville, WI 53545
[email protected]
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Producer standards
Use of assigned unique URL
We really want to help you provide the best experience with your customers when
enrolling them in an EyeMed Individual vision plan. That’s why we’ve taken great care to
set up producers with tools that provide great experiences. While we will keep things
smooth on our side, we expect producers to use the tools provided to them in a responsible
way. That’s why we have a few rules for using the unique urls that are assigned to each
producer.
To help grow your business
 We encourage you to place unique urls on agency or personal websites, post it on a
blog, social media post, or any other publically accessible digital location. The
unique urls may also be used in printed flyers, on business cards, posters, and other
physical locations. However, the producer should have control to remove the link
whenever necessary.
Be aware of these cautions
 Only producers assigned a unique url link, and their customers, may use the url for
the sole purpose of quoting and enrolling individuals in an EyeMed Individual vision
plan.
 Unique urls assigned to producers should not be posted on locations where the
producer has no control to remove it if necessary. Unique urls assigned to
producers should also not be posted on sites or other locations where illegal or
immoral activity is endorsed.
Producers assigned a unique url are solely accountable for the way it is used.
Use of logos and brand guidelines
Sure, whenever producers want to use the EyeMed logo responsibly, they are welcome to
do so. Here are the minimum logo and brand guideline rules to be followed.



Only EyeMed logos provided on the EyeMed Individual web site may be used.
The logos provided must be used in the colors provided; changing logo colors,
backgrounds, or any other feature is not permitted.
The EyeMed logo should always appear as clearly and consistently as possible. It
should never compete with other graphic elements or any sort of visual clutter.
Agent Guide v092816
SASid, 14 N Parker Dr., Janesville, WI 53545
[email protected]
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



The minimum amount of space surrounding the EyeMed logo should, at minimum,
be the width of an “e” in the logo.
Logos should never be smaller than 20mm. The larger the logo, the more legible it
will be to your readers.
“EyeMed” is always written as one word, with a capital “E” and “M,” unless it is
referencing a url.
The EyeMed logo should not be added to textually or graphically, and never used
with a transparent background.
Producer renewal appointments
Unless notified by the producer, producer renewal appointment fees will be auto-renewed
at the prevailing rate for their assigned states, payable by the producer. Renewal
appointment fees will be charged via EFT or ACH, or deducted from producer commission
payments. Producers who will not be auto-renewed for reasons determined by the
insurance company will be contacted.
Agent Guide v092816
SASid, 14 N Parker Dr., Janesville, WI 53545
[email protected]
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EyeMed Individual Agent Guide Producer Signature Page
I acknowledge and agree that:
1) I have read, understood, and agree with the information and instructions provided
in this EyeMed Individual Vision Agent Guide.
2) I understand that EyeMed Vision Care LLC (licensed in California as EyeMed Vision
Care & Insurance Services, LLC) markets EyeMed Individual, Fidelity Security Life
Insurance Company underwrites the individual policies, First American
Administrators and InsuranceTPA.com are administrators, and SASid Inc. handles
producer contracting. I further understand that SASid Inc. and InsuranceTPA.com
are related companies.
3) This EyeMed Agent Guide is an addendum to the SASid Producer Agreement.
Printed name X
Signature X
Date
Note: You are not permitted to submit EyeMed Individual vision plan applications until all
licensing and appointment requirements have been submitted and confirmed, you have
been contacted in writing by SASid, Inc., and have been provided a unique url for which to
submit business.
Agent Guide v092816
SASid, 14 N Parker Dr., Janesville, WI 53545
[email protected]
12
Appendix A – State Appointment Fees
Link back to Producer Fee section. Unless stated otherwise, fees apply to both resident and non-resident agents/agencies
appointments. [Table as of 4-13-2016. All fees are subject to change.]
State
State
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of
Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Appointment Fee
$40.00
$0
$0
$0
$29
$0
$0
$25
$25
$60
$10
$0
$0
$0
$0
$0
$5
Resident Agent
Resident Agency
Non-Res Agent
Non-Res Agency
$20
Resident Agent
Resident Agency
Non-Res Agent
Non-Res Agency
$40
$100
$50
$120
$30
$30
$45
$70
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Appointment Fee
$0
$75
$5
$30
$25
$0
$0
$8
$15
$25
$35
$20
$0
$20
$10
$15
$30
$0
$15
$0
$0
Resident
$10
Non-Resident $20
$15
$10
$0
$60
$10
$20
$25
Resident
$16
Non-Resident $50
$15
Agent Guide v041516
SASid, 14 N Parker Dr., Janesville, WI 53545
[email protected]